Hartford at a glance
- Population: 360, the 326th-largest community in Kansas out of 625 (US Census Bureau, Vintage 2023).
- 2020 Census base: 357 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 0.8% growth over the 2020 Census base (US Census Bureau).
- Rank among Kansas places: 326th of 625 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 48% of places in Kansas rank below it by population (US Census Bureau).
- Coordinates: 38.3084 latitude, -95.9566 longitude (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Lebo, KS (9 mi); Olpe, KS (12 mi); New Strawn, KS (12 mi); Burlington, KS (14 mi); Emporia, KS (14 mi) (US Census Bureau).
- Nearest smaller communities: Neosho Rapids, KS (5 mi); Reading, KS (15 mi); Gridley, KS (15 mi) (Census populations).
What a personal loan costs in Hartford
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Kansas lending rules that apply in Hartford
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| UCCC consumer loan rate caps | 36% on first $860 of unpaid balance; 21% above $860 (closed-end consumer loans) Source says: "36% on the unpaid principal balance which is $860 or less, and 21% on the unpaid principal balance which exceeds $860". | Kansas Office of the State Bank Commissioner as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 15% per annum (general contract-rate ceiling for written instruments) Source says: "may stipulate therein for interest receivable ... at a rate not to exceed 15% per annum unless otherwise specifically authorized by law". | Kansas Office of the Revisor of Statutes as of 2026-09-16 |
| Payday lending status | Permitted under license (payday cash advances of $500 or less; charge capped at 15%) Source says: "a licensed or supervised lender may charge an amount not to exceed 15% of the amount of the cash advance". | Kansas Office of the Revisor of Statutes as of 2026-09-16 |
| Small-loan / installment lender licensing | Supervised lender license required (supervised loans) Source says: "Unless a person is exempt from licensing ... such person shall not engage in the business of: (a) Making supervised loans". | Kansas Office of the Revisor of Statutes as of 2026-09-16 |
| State lending regulator | Kansas Office of the State Bank Commissioner (OSBC) Source says: "The Office of the State Bank Commissioner regulates all state-chartered banks, trust companies, mortgage businesses, supervised lenders, credit service organizations, earned wage access service providers, and money transmitters". | Kansas Office of the State Bank Commissioner as of 2026-09-16 |
How to compare offers in Hartford
Before you share your details with a lender in Hartford:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Kansas using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.